If you are interested in purchasing a new home or refinancing, we can
help. We have a variety of first mortgage rates and terms available,
including both fixed and adjustable rate loans.

Our lending area includes Hancock, Brooke, Ohio, and Marshall Counties in
West Virginia, Jefferson, Columbiana, Belmont, and Harrison Counties in Ohio,
and Allegheny, Beaver, and Washington Counties in Pennsylvania.

Membership eligibility is required. Please refer to Member Information. For
more membership information click on the following link:
Membership

* The above monthly payments and
APRs are based on a purchase price of $70,000.00, a 20% down payment of
$14,000.00, and a loan amount of $56,000.00. Stated rates are subject to
change at any time.

Other Fixed and Adjustable rates, terms and points are
available

Up to 95% financing available to qualified borrowers for both fixed and
adjustable rate first mortgage loans. Private mortgage insurance is
required on all first mortgage loans with greater than 80% financing.
Private mortgage insurance premiums will increase the stated APR and monthly
payment amount.
**Add .375 to any above stated rate for loan amounts greater than $417,000.00

Up to 80% financing is available for new home
construction at the rates, terms, and points stated above.

Home Equity Line of Credit is
Here with a Great Rate!

Our Equity Loans Unlock the Money You Need from the
Equity in the House You Already Have!

3.69

%APR*

6.00

%APR*

Fixed Rate
Through
September 30, 2019

Variable Rate
Beginning
October 1, 2019

Call
1-800-427-4835 or
304-748-8600 to
Set Up Your Appointment Today!

*

**Rate effective April 1, 2018.
No closing costs on approved credit limits of
$10,000 or more. If less than $10,000, closing
costs may range between $100-$400. If you
modify an existing First Choice America Home
Equity Line of Credit loan, you may be charged a
loan modification fee, not to exceed $195. The
initial interest rate is 3.69% through September
30, 2019 and thereafter may adjust on the first
of every month to the current prime rate plus
.50% as published in the Wall Street Journal (as
of 12-20-18, 5.50% + .50 = 6.00APR). Beginning
October 1, 2019, the APR will never be less than
5.00%. Maximum APR 18%. Minimum credit line
$5,000. Maximum term is 20 years. Annual fee
$45. Over limit fee $25. Property insurance
required. Consult your tax advisor about
interest deductibility. All loans subject to
credit approval. Limited time offer. Membership
eligibility required. Federally insured by NCUA.
Equal Housing Lender. NMLS# 411557.